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Loan overpayment help

My mum has an outstanding HSBC loan of £5590.67. At present, her monthly repayments are £310.84 and there are 18 payments remaining.

She currently has the following offers on credit cards:

Barclaycard 0% money transfer of £2,250 until May 2019 with 2.9% fee

Tesco Bank 0% money transfer of £1,045 until January 2019 with no fee

I want to know whether it is worthwhile using both of these offers to overpay her loan, however the fact that HSBC front load their interest and do not allow monthly repayments to be reduced if you have overpaid, I am not sure whether it is worth doing. See below for what I have:

What zx81 said, the loan interest is not front loaded. Your mum is making X number of £310.84 to repay the loan. At the start of the loan most of that £310.84 is going towards interest with a small amount repaying the capital so that the following month there is less capital outstanding and therefore less interest so more of the payment goes to wards the capital. It works in exactly the same way as a repayment mortgage.